Car Settlement / Personal Loan (Please stay away from this bank)

Worst banking experience yet Wesbank/FNB. I am trying to pay off my car that I still owe 300k. I found a buyer that would offer me 170k Cash and my settlement amount is 225k. I app**** for a personal loan to pay the rest of the settlement which is 55k which I am being denied from. They would rather let me pay 300k instead of me finishing off my car payment and only paying the personal loan of 55k. Thanks FNB you can repo or blacklist me as soon as possible. Tired of trying to be reasonable. Reason my credit score is not good enough is because of my car payment that I took out. I'll be canceling my account as soon as possible. Really frustrated and I am tired of trying to be reasonable and keeping my patience with these people. They don't look at personal issues everything is automated and always being refered to a link. I also have premier banking which means nothing as they just send links to follow instead of personal assistance. Keep in mind I havn't missed one debit order on my car since I bought it and it's been well over more than 2 years. They would rather make money by keeping you in debt than assisting on getting it sorted out. Capitec or Standard will gladly assist. Keep away from FNB